Must be at least 18 years of age or older Applicant has never had a loan originator license revoked Must not have been convicted of, or pled guilty or nolo contendere to, a felony Must demonstrate financial responsibility, character, and general fitness Holds an active Mortgage Loan Originator license Within the past 5 years, must have at least 3 years active full time licensed lending experience Minimum of 45 first lien residential mortgages